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Rising Star
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"post_content": "Do most of you here have perfect credit scores? I'm still building up my score, but seems like you all have your shit together.",
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Pro
I too destroy my credit young then had to build it completely back up. There is a magic formula: -low balances (if ever) -diversification of account types -length of credit history -on time payments -very few credit inquiries Stay the course. I brought my self back from 450 to 791 over about 3 years of fixing
Kudos and thank you for sharing
825-845 here. It's certainly been easier to keep it higher during pandemic, since my balances are a bit lower with less spending overall. The trick to having higher scores is always paying on time (auto-pay) and having cards open that you don't really use. I've had these accounts open for a long time, only put small recurring charges on them like EZPass or occasional cup of coffee, and pay it off immediately. I also don't churn cards so I don't have tons of new inquiries.
Yes. I’ve been told Experian has a picture of me on their offices below the word “Perfection”
I royally, fabulously, and just gloriously tanked my credit in college. It was awful. I then spent years after getting back on track and my shit together. It was a huge milestone for me a couple years back when I finally sailed passed 800 on all three companies. Now I keep it pegged there.
Pro
^ Lol love how no one asked for your credit score yet you 🤡 shamelessly shared/showed yours off 😂
Night. i will not let this stand in the way of a solid resume, and I’m serious about that!
Conversation Starter
Yes only 750+ league
810+ over hrrrrrrrrrr ...😉
I’m 26 with 802 , is that bad?
You’re both boring AF
Rising Star
Applied for a loan last week, and scores came back as 829 for spouse and 826 for me. This is the highest it has ever been for us I think, though we've been 800+ for almost a decade now.
828
Not perfect, 820. 850 would be perfect
812
Pro
Also 812 :)
10 in
Congrats! Best of luck on your next 10 years in the credit market! Let me know if you’d like to go Deep on your goals.